# S vs BIL Payconiq

The clearest difference is rating: S at 3.0 against BIL Payconiq's 2.0. S also leads on review sentiment (30% vs 0%). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

S holds the better App Store score, 3.0 against 2.0. Both are backed by a comparable volume of ratings — 2 and 4 respectively. Written reviews point the same way: 30% of S's written reviews are positive against 0% of BIL Payconiq's.

S ships an update every 5 weeks, BIL Payconiq every 2 months. The most recent releases landed on September 17, 2026 and June 1, 2026 respectively.

## The numbers

| Metric | S | BIL Payconiq |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/s-net-mobile/id391760650/reviews)** | [2.0 (4 ratings)](https://appshunter.io/ios/app/bil-payconiq/id830569595/reviews) |
| Number of ratings | 2 | **4** |
| Positive reviews | **30.4% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 376 MB | 43 MB |
| Requires iOS | 14.0 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BCEE](https://appshunter.io/developer/391760653) | [Banque Internationale a Luxembourg](https://appshunter.io/developer/455960652) |

## What reviewers say

### S

[App page](https://appshunter.io/ios/app/s-net-mobile/id391760650)

Manage your bank accounts and credit cards on the go. Execute payments, send secure messages, and locate ATMs. You can also simulate loan options and access your banking documents.

**Highlights:** View account and credit card transactions, Execute Eurotransferts, Send secure messages, Locate branches and ATMs, Simulate personal and mortgage loans, PIN-login for fast access

**In-app purchases:** none


### BIL Payconiq

[App page](https://appshunter.io/ios/app/bil-payconiq/id830569595)

Make quick, secure payments in Luxembourg, Belgium, and the Netherlands. Send or request money using just a phone number, pay bills, and complete in-store purchases. Transactions are linked to your bank account and secured with fingerprint or PIN.

**Highlights:** In-store payments, Bill payments, Send/request money via phone number, Bank account linked, Fingerprint/PIN security, Transaction history

**In-app purchases:** none


## Frequently asked questions

### Is S free?

S is free to download, with no in-app purchases.

### Is BIL Payconiq free?

BIL Payconiq is free to download, with no in-app purchases.

### Which has better reviews, S or BIL Payconiq?

S is rated higher. S averages 3.0 out of 5 from 2 ratings, while BIL Payconiq averages 2.0 from 4 ratings.

### Do S or BIL Payconiq have ads?

Neither S nor BIL Payconiq shows ads.

### Which is updated more often, S or BIL Payconiq?

S ships an update every 5 weeks, and BIL Payconiq every 2 months. Most recently, S was updated on September 17, 2026 and BIL Payconiq on June 1, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*